Drive-up banking with windows up

ABSTRACT

Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.

CROSS-REFERENCE TO RELATED PATENT APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.16/251,655, filed Jan. 18, 2019, the contents of such application beinghereby incorporated by reference in its entirety and for all purposes asif completely and fully set forth herein.

TECHNICAL FIELD

Embodiments of the present disclosure relate generally to the field ofdrive-up banking services.

BACKGROUND

Drive-up banking systems, such as automated-teller machines (ATM)s orother payment terminal devices are often in outdoor locations. Customerscan access drive-up banking systems as drivers or occupants of vehicles.Conventional drive-up banking systems require customers to lower avehicle window to interact with a user interface of the drive-up bankingsystem to enter account information, transaction instructions, depositphysical media such as checks or physical currency, and/or retrievewithdrawn physical currency. While the vehicle window is open,occupant(s) of the vehicle can be exposed to uncomfortable outdoorconditions, such as cold temperatures, hot temperatures wind, rain,and/or snow.

SUMMARY

A first example embodiment relates to a method. The method includesdetecting, by a drive-up banking system, a presence of a vehicleproximate the drive-up banking system; projecting, by the drive-upbanking system, a user interface onto a vehicle window such that theuser interface is visible to an occupant of the vehicle; receiving, bythe drive-up banking system, information indicative of an identity ofthe occupant of the vehicle; determining, by the drive-up bankingsystem, an account corresponding to the occupant of the vehicle;requesting, by the user interface of the drive-up banking system,transaction information; receiving, by the user interface of thedrive-up banking system, information indicative of the transactioninformation; and conducting, by the drive-up banking system, atransaction based on the transaction information.

Another example embodiment relates to a drive-up banking system. Thedrive-up banking system includes a vehicle detection device, aprojection device configured to project a user interface onto a vehiclewindow, a user input device, and a processing circuit. The processingcircuit includes one or more processors coupled to non-transitorymemory. The processing circuit is configured to detect a presence of thevehicle proximate the vehicle detection device, command the projectiondevice to project the user interface onto the vehicle window, receiveinformation indicative of an identity of an occupant of the vehicle,determine an account corresponding to the occupant of the vehicle,display a request for transaction information via the user interface,receive information indicative of the transaction information via theuser input device, and conduct a transaction based on the transactioninformation.

Another example embodiment relates to a drive-up banking system. Thedrive-up banking system includes a vehicle detection device, a screenconfigured to be positioned proximate a vehicle window, a projectiondevice configured to project a user interface onto the screen, a heatsensor configured to sense gestures at or proximate the vehicle window,and a processing circuit. The processing circuit includes one or moreprocessors coupled to non-transitory memory. The processing circuit isconfigured to detect a presence of a vehicle including the vehiclewindow proximate the vehicle detection device, positon the screenproximate the vehicle window, command the projection device to projectthe user interface onto the screen, receive information indicative of anidentity of an occupant of the vehicle, determine an accountcorresponding to the occupant of the vehicle, display a request fortransaction information via the user interface, determine transactioninformation based on the gestures sensed by the heat sensor, and conducta transaction based on the transaction information.

Another example embodiment relates to a drive-up banking systemincluding a vehicle detection device, a user input/output device, ascanning device configured to scan objects at or proximate an interiorsurface of a vehicle window, and a processing circuit. The processingcircuit includes one or more processors coupled to non-transitorymemory. The processing circuit is configured to detect a presence of avehicle including the vehicle window proximate the vehicle detectiondevice, receive information indicative of an identity of an occupant ofthe vehicle, determine an account corresponding to the occupant of thevehicle, and display a request for transaction information via the userinput/output device. The request for transaction information includesinstructions to display an object proximate the vehicle window. Theprocessing circuit is further configured to determine transactioninformation based on information received from the scanning device basedon a scan of the object and conduct a transaction based on thetransaction information.

These and other features, together with the organization and manner ofoperation thereof, will become apparent from the following detaileddescription when taken in conjunction with the accompanying drawings.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram depicting an example environment of a drive-upbanking system including an ATM, according to an example embodiment.

FIGS. 2A-2B are process diagrams depicting a method of conducting atransaction with the ATM of FIG. 1 , according to an example embodiment.

FIGS. 3A-3B are process diagrams depicting a method of conducting atransaction with the ATM of FIG. 1 , according to another exampleembodiment.

FIG. 4 is a schematic diagram depicting an environment in which thedrive-up banking system of FIG. 1 is used, according to an exampleembodiment.

FIG. 5 is a schematic diagram depicting a user interface that isprojected onto a vehicle window by the drive-up banking system of FIG. 1.

DETAILED DESCRIPTION

Referring to the figures generally, systems and methods of providingdrive-up banking services while reducing an amount of time that avehicle occupant must have the vehicle window open while completing oneor more transaction(s) at the drive-up banking system are disclosed. Thedrive-up banking system detects a presence of a vehicle at or proximatea drive-up banking system or an ATM of the drive-up banking system. Thedrive-up banking system displays a user interface to an occupant of thevehicle such that the occupant of the vehicle can interact with the userinterface without opening the vehicle window. For example, in someembodiments, the drive-up banking system projects a user interface ontoan interior surface of a vehicle window such that the user interface isvisible to an occupant of the vehicle (e.g., the user). In otherembodiments, the drive-up banking system deploys a screen proximate avehicle window. In this case, the drive-up banking system projects auser interface onto a surface of the screen proximate the vehicle suchthat the user interface is visible to the user. The window can be thedriver's window or the rear passenger window behind the driver's seat.The user interacts with the user interface in the same way that the userwould interact with a touch-screen interface. For example, the usermakes selections by tapping icons, scrolling through screens, etc.displayed on the window.

The drive-up banking system receives information indicative of anidentity of a user. The drive-up banking system determines an accountcorresponding to the information indicative of the identity of the user.The drive-up banking system commands the projected user interface torequest transaction information from the user. For example, the userinterface presents instructions or a prompt to the user. The userinterface prompts the user to enter transaction instructions andprojects selections, buttons, or a keypad for the user to enter thetransaction instructions. The user then uses the projected selections,buttons, or keypad to enter the transaction information. The drive-upbanking system can sense the movements and/or gestures that the usermakes against or proximate the window as the user interacts with theuser interface. The drive-up banking system can prompt the user topresent physical media for the drive-up banking system to scan. Forexample, the user interface can prompt the user to present transactionuser identification information to the drive-up banking system so that ascanning device of the drive-up banking system can scan the useridentification information. The drive-up banking system thenauthenticates the user's identity based on the scanned useridentification information. In another example, the user interface canprompt the user to present transaction information such as checks orphysical currency to be deposited for scanning. The drive-up bankingsystem can then conduct a transaction based on the transactioninformation. For example, the drive-up banking system dispenses physicalmedia such as physical currency or stamps. In another example, thedrive-up banking system prompts the user to deposit physical media suchas checks or physical currency. At this point, the user lowers thevehicle window to deposit and/or retrieve the physical media.

The embodiments described herein solve the technical problem ofprolonged user exposure to uncomfortable environmental conditions whileusing a drive-up banking system. By leveraging a projected userinterface, a sensor operable to sense gestures of a user interactingwith the projected user interface, a processor operable to determinetransaction information based on the sensed gestures, and a scanningdevice operable to scan physical media presented at or proximate thevehicle window, the drive-up banking system allows the user to input allor substantially all of the transaction instructions necessary tocomplete a desired transaction without lowering the vehicle window.Accordingly, the systems and methods for using the drive-up bankingsystem of the present disclosure greatly reduce the amount of time thata vehicle window must be open by receiving transaction information, suchas user identification information and transaction information, throughthe user interface projected on the closed vehicle window.

Referring to FIG. 1 , a drive-up banking system 100 is shown, accordingto an example embodiment. The drive-up banking system 100 includes,among other things, an ATM 104, a provider computing system 108, and insome cases, a client computing system or user device 112. The ATM 104,the provider computing system 108, and the user device 112 maycommunicate directly or through a network 116, which may include one ormore of the Internet, cellular network, Wi-Fi, Wi-Max, a proprietarybanking network, or any other type of wired or wireless network.

The ATM 104 is a computing system configured to provide an interfacebetween a user and the provider computing system 108, allowing the userto access information at and perform transactions with the correspondingprovider. For example, in various arrangements, the ATM 104 isconfigured to allow a customer to view account balances, deposit checks,transfer funds, or withdraw funds from a given account in the form ofphysical currency. As referred to herein, the term “currency” includesfiat currencies, non-fiat currencies (e.g., precious metals), andmath-based currencies (often referred to as cryptocurrencies). Examplesof math-based currencies include Bitcoin, Litecoin, Dogecoin, and thelike. In some embodiments, the ATM 104 is disposed at a drive-up bankingfacility associated with the provider. The ATM 104 includes hardware andassociated logics enabling contactless data transfers, for example,using radio frequency identification (“RFID”) and/or NFC.

Still referring to FIG. 1 , according to an embodiment of thedisclosure, the ATM 104 is owned and operated by the provider associatedwith the provider computing system 108. The ATM 104 performs variousfunctions in response to an interaction with a user (e.g., via theprojected user interface). In some embodiments, the ATM 104 is capableof both receiving deposits and dispensing funds. For example, the ATM104 may include a currency dispenser that is used to dispense currencywhen the user wishes to perform a physical currency withdrawal. The ATM104 may also include a deposit slot that is configured to receive papercurrency and checks when the user wishes to make a deposit. The ATM 104may also be configured to perform other operations, such as allowing theuser to check account balances, purchase stamps, and so on.

The ATM 104 includes a network interface 140. The network interface 140enables the ATM 104 to exchange information over the network 116. TheATM 104 can include a vehicle detection device 120, a projection device124, a sensing device 128, a scanning device 132, the network interface140, and an optional camera. The sensing device 128 and the scanningdevice 132 comprise user input devices. The ATM 104 is configured toactivate in response to sensing a vehicle approaching the ATM 104 withthe vehicle detection device 120.

The vehicle detection device 120 is configured to sense informationindicative of a presence of a vehicle at or proximate the drive-upbanking system 100 and/or at or proximate the ATM 104. The vehicledetection device 120 is configured to sense information indicative of arelative position between the vehicle and the projection device 124 tofacilitate positioning the vehicle for interaction with the ATM 104. Thevehicle detection device 120 is configured to sense informationindicative of a location of a vehicle window. In some embodiments, thevehicle detection device 120 can include one or more sensors, such as aweight sensor, a heat sensor, a visual sensor, a proximity sensor, etc.In some embodiments, the vehicle detection device 120 can detect awireless signal from the vehicle and/or the user device 112 positionedwithin the vehicle. For example, the vehicle detection device 120 canuse geofencing to detect the user device 112 within a predefined regionproximate the ATM 104.

The projection device 124 is configured to project a user interface ontoa vehicle window such that the user interface is visible to a usersitting inside the vehicle. The window can be a driver's window or apassenger window behind the driver's window or opening the vehicle door.The user can interact with the user interface without lowering thevehicle window. The user interface may include a projected keypad, orsimilar user input device, containing a number of selections or buttons(e.g., alphanumeric, etc.) configured to receive input (e.g., a PIN,transaction instructions) from a user. The projection device 124includes a projector 148 configured to project a user interface of theATM 104 at or proximate a vehicle window. In some embodiments, theprojection device 124 projects the user interface directly onto thevehicle window such that the user interface is displayed on an interiorsurface of the vehicle window so that a user can see and interact withthe user interface at or proximate the vehicle window without loweringthe window. In some embodiments, a film is attached to the interiorsurface of the vehicle window and the user interface is displayed on thefilm so that a user can see and interact with the user interface at thevehicle window without opening the vehicle window.

In some embodiments, the projection device 124 further includes aprojection screen 152 and a projection screen drive system 156. In someembodiments, the projection screen 152 is a rear projection screen suchthat a user interface projected from a projector 148 behind theprojection screen 152 is displayed to a user of the vehicle. Inembodiments that include the projection screen 152 and the projectionscreen drive system 156, the projection screen drive system 156 isconfigured to lower the projection screen 152 such that the projectionscreen 152 is proximate the vehicle window so that a user can see andinteract with the user interface at or proximate the vehicle windowwithout lowering the vehicle window. In some embodiments, the projectionscreen 152 is positioned such that physical media positioned at orproximate the vehicle window can be scanned by the scanning device 132.

The sensing device 128 is configured to sense gestures made by a user ator proximate the vehicle window as the user interacts with the userinterface. The gestures can include hand gestures, facial gestures,and/or a combination thereof. The hand gestures can include tapping,tapping and holding, pinching the screen (e.g., to shrink at least aportion the user interface), spreading apart pinched fingers (e.g., toexpand at least a portion of the user interface), scrolling, sliding,holding up fingers to indicate a selection (e.g., holding up one fingerto select a first option, holding up two fingers to select a secondoption, etc.), making the “o.k. sign”, holding a thumb up, holding athumb down, finger-spelling, sign language, etc. The facial gestures caninclude facial expressions (e.g., frown into indicate “no” or “help”,smile to indicate “yes”, etc.), nodding, shaking the head, etc. Thesensing device 128 can sense the user's gestures through the glass ofthe vehicle window, such that the gestures can be sensed withoutrequiring the user to open the vehicle window. In some embodiments, thesensing device 128 can include a motion sensor, a heat sensor, or avisual sensor (e.g., a camera). In embodiments that include theprojection screen 152, the sensing device 128 is a heat sensor.

The scanning device 132 is configured to scan objects including physicalmedia and/or portions of the body presented at or proximate the vehiclewindow. The scanning device 132 can scan the physical media and/orportions of the body through the window glass without requiring the userto open the vehicle window. The physical media can include physicalidentification documents (e.g., a drivers' license, a passport, a bankaccount passbook, an ATM card, a debit card, etc.), checks, or physicalcurrency. The portions of the body are portions of the body that arecommon sources of biometric data, such as faces, eyes, fingerprints, andpalms. In some embodiments, the biometric data can include scans of theportions of the body that are common sources of biometric data and/orbehavioral biometric data. Behavorial biometric data can includegestures (e.g., a user writing or signing their name in the air, aspecific hand gesture or facial expression that can be used as a PIN,etc.).

In some embodiments, the ATM 104 is operated by the provider computingsystem 108. In other embodiments the ATM 104 is operated by a separatecomputing system from the provider computing system 108 and is incommunication with the provider computing system 108 over the network116.

The user device 112 is a computing device associated with a user. Insome arrangements, the user is an account holder of at least one account(e.g., checking account, a savings account, a credit account, aninvestment account, a retirement account, a brokerage account, amortgage account, a rewards account, etc.) managed by the provider(associated with provider computing system 108). In some arrangements,the user is an account holder of a different entity.

The user device 112 includes any type of computing device that may beused to conduct transactions and/or communicate with the providercomputing system 108 and/or the ATM 104. In some arrangements, the useruses the user device 112 to both communicate information to the ATM 104over the network 116 as well as communicate information with theprovider computing system 108. For example, in some embodiments, the ATM104 can call the user device 112. The ATM 104 can provide verbalinstructions to the user via the user device 112. The user cancommunicate transaction instructions to the ATM 104 using voicecommands. The user device 112 may include any type of mobile deviceincluding, but not limited to, a phone (e.g., smart phone, etc.),tablet, personal digital assistant, braille tablet, and/or personalcomputing devices (e.g., desktop computer, laptop computer, personaldigital assistant, etc.).

Still referring to FIG. 1 , the user device 112 includes a networkinterface 160 enabling the user device 112 to exchange information overthe network 116, an input/output device 164, and a client application168. The input/output device 164 is configured to exchange informationwith the user. An input device or component of the input/output device164 allows the user to provide information to the user device 112, andmay include, for example, a mechanical keyboard, a touchscreen, amicrophone, a camera, a fingerprint scanner, any user input deviceengageable with the user device 112 via a USB, serial cable, Ethernetcable, and so on. An output device or component of the input/outputdevice 164 allows the user to receive information from the user device112, and may include, for example, a digital display, a speaker,illuminating icons, LEDs, and so on.

The client application 168 is structured to provide displays to the userdevice 112 that enable the user to manage interactions with the ATM 104and may be used to manage accounts held with the provider. Accordingly,the client application 168 is communicably coupled to the providercomputing system 108 (e.g., the transaction circuit 174, etc.). In someembodiments, the client application 168 may be incorporated with anexisting application in use by the provider (e.g., a mobile bankingapplication or a mobile wallet application). In other embodiments, theclient application 168 is a separate software application implemented onthe user device 112. The client application 168 may be downloaded by theuser device 112 prior to its usage, hard coded into the memory of theuser device 112, or be a web-based interface application such that theuser device 112 may provide a web browser to the application, which maybe executed remotely from the user device 112. In the latter instance,the user may have to log onto or access the web-based interface beforeusage of the applications. Further, and in this regard, the clientapplication 168 may be supported by a separate computing systemincluding one or more servers, processors, network interface circuits,etc. that transmit applications for use to the user device 112. Incertain embodiments, the client application 168 includes an API and/or asoftware development kit (SDK) that facilitate the integration of otherapplications with the client application 168. For example, the clientapplication 168 may include an API that allows the user to enter one ormore sets of transaction instructions for completion by the ATM 104 ofthe drive-up banking system 100.

The provider computing system 108 is operated by a provider, which is anentity that facilitates the transactions occurring at the ATM 104, aswell as the maintenance, repairs, and overall operation of the ATM 104.In some embodiments, the provider computing system 108 also facilitatesvarious types of transactions between the user device 112 and the ATM104, and between the user device 112 and various other entities. In someembodiments, the provider computing system 108 manages the debit and/orcredit card held by a user requesting funds from the ATM 104. Forexample, the provider may be a bank, credit union, a payment servicescompany, or other similar entities. The provider computing system 108includes, among other systems, a network interface 170 enabling theprovider computing system 108 to exchange data over network 116, aprocessing circuit 172, and a transaction circuit 174.

The processing circuit 172 includes a processor 176 and memory 180. Theprocessor 176 may be implemented as one or more application specificintegrated circuits (ASICs), field programmable gate arrays (FPGAs), agroup of processing components, or other suitable electronic processingcomponents. Memory 180 may be one or more devices (e.g., RAM, ROM, Flashmemory, hard disk storage) for storing data and/or computer code forcompleting and/or facilitating the various processes described herein.Memory 180 may be or include non-transient volatile memory, non-volatilememory, and non-transitory computer storage media. Memory 180 mayinclude database components, object code components, script components,or any other type of information structure for supporting the variousactivities and information structures described herein. Memory 180 maybe communicably coupled to the processor 176 and include computer codeor instructions for executing one or more processes described herein.

Still referring to FIG. 1 , the provider computing system 108 is furthershown to include the transaction circuit 174. The transaction circuit174 is configured to sense proximity of a vehicle, project a userinterface onto a vehicle window, determine transaction information basedon user interaction with the user interface, and conduct transactionsbased on the transaction information. Transaction information caninclude user authentication information, scans of physical media (e.g.,physical currency, checks, ATM cards, drivers' licenses, passports,account passbooks, etc.), and transaction instructions. As illustratedin FIG. 1 , the provider computing system 108 includes the transactioncircuit 174 that is integrated within or otherwise communicable with,the provider computing system 108. In another embodiment, thetransaction circuit 174 may be included with the ATM 104 instead. Instill another embodiment, the transaction circuit 174 may be includedpartially with the ATM 104 and partially with the provider computingsystem 108, with some circuits or components provided with the ATM 104and some circuits or components provided with the provider computingsystem 108.

The transaction circuit 174 is shown, according to an exampleembodiment. The transaction circuit 174 includes a vehicle detectioncircuit 184, a projection circuit 188, an account determination circuit192, and a transaction completion circuit 196. While various circuits,interfaces, and logic with particular functionality are shown, it shouldbe understood that the transaction circuit 174 includes any number ofcircuits, interfaces, and logic for facilitating the functions describedherein. For example, the activities of multiple circuits are combined asa single circuit and implemented on the same processing circuit.

The vehicle detection circuit 184 is operably coupled to the vehicledetection device 120 and is configured to receive information indicativeof a presence of the vehicle. In some embodiments, the informationindicative of the presence of the vehicle can include proximity of thevehicle, weight of the vehicle, an image of the vehicle, heat generatedby the vehicle, a wireless signal from the vehicle, a wireless signalfrom the user device 112. The vehicle detection circuit 184 isconfigured to determine, based on the information indicative of thepresence of the vehicle, whether a vehicle window is positionedproximate the projection device 124 such that the projection device 124can project the user interface onto the vehicle window or a screenpositioned proximate the vehicle window. In some embodiments, thevehicle detection circuit 184 is configured to display a positionnotification to the user. The position notification can be a light or asound. In some embodiments, the position notification can indicate thatthe vehicle is correctly positioned relative to the projection device124 (e.g., a light can turn on or blink or an acoustic notification canbe emitted). In some embodiments, the position notification can indicatethat the vehicle needs to be repositioned relative to the projectiondevice 124 (e.g., a light can turn on or blink or an acousticnotification can be emitted).

The projection circuit 188 is configured to activate in response todetermining a presence of the vehicle proximate the projection device124. The projection circuit 188 is operably coupled to the vehicledetection device 120 and is configured to receive information indicativeof a position of the vehicle from the vehicle detection device. Theprojection circuit 188 is configured to determine a position of thevehicle window based on the information indicative of the position ofthe vehicle. In some embodiments, the projection circuit 188 isconfigured to project a user interface onto a vehicle window such that auser seated within the vehicle can interact with the user interface ator proximate an interior surface of the vehicle window without openingthe vehicle window. In embodiments in which the projection circuit 188includes the projection screen 152, the projection circuit 188 isconfigured to command the projection screen drive system 156 to positionthe projection screen 152 such that the projection screen 152 isproximate the vehicle window. The projection circuit 188 is configuredto project a user interface onto a surface of the projection screen 152closest to the vehicle such that a user seated within the vehicle caninteract with the user interface at or proximate the interior surface ofthe window. The user does not need to open the widow to interact withthe user interface projected onto the projection screen 152. Theprojection circuit 188 is configured to receive display instructionsfrom the account determination circuit 192 and the transactioncompletion circuit 196 and change the user interface that is displayedto the user in response to the display instructions. In embodiments thatinclude the projection screen 152, the projection circuit 188 isconfigured to command the projection screen drive system 156 to retractthe projection screen 152 in response to determining that the userinteraction with the ATM 104 and/or drive-up banking system 100 has beencompleted. In some embodiments, the projection circuit 188 can displayvideo material onto the projection screen 152. The video material caninclude animated display instructions or a video-call display of anagent (e.g., banker, drive-up teller, etc.). In embodiments in which thevideo material is a video call, the agent can ask the user to displayphysical media proximate the window. The agent can receive an image ofthe physical media from the camera or the scanning device and manuallyapprove and/or obtain transaction data from the physical media.

The account determination circuit 192 is operably coupled to the sensingdevice 128 and to the scanning device 132 and is configured to receivetransaction information sensed by the sensing device 128 and transactioninformation scanned by the scanning device 132. The accountdetermination circuit 192 is configured to receive transactioninformation from a user. The transaction information can includeidentity information from a user. The identity information can includean identity of the vehicle, an identity of the user device 112,biometric data of the user, or physical identification media such as anATM card, debit card, account passbook, drivers' license, passport, etc.The identity of the vehicle can include a license plate number, avehicle identification number, an internet mobile equipment identity(IMEI) of one or more onboard vehicle systems, etc. The identity of theuser device 112 can include an IMEI number of the user device 112, anidentification number of the specific instance of the client application168 on the user device 112, etc. In embodiments in which the identityinformation is the identity of the vehicle or the identity of the userdevice 112, the account determination circuit 192 can establish a secureconnection with the vehicle or the user device 112 over the network 116.The account determination circuit 192 is configured to receive theidentity of the vehicle or the identity of the user device 112 over thesecure connection. In embodiments in which the identity information isbiometric or physical identification media, the account determinationcircuit 192 is configured to send display instructions to the projectioncircuit 188 that command the projection circuit 188 to display a requestto the user to approach the window for scanning by the scanning device132 (e.g., for biometric identity information) or to display a requestto the user to display the physical identification media at or proximatethe vehicle window for scanning by the scanning device 132.

The account determination circuit 192 is configured to determine anaccount managed by the provider (associated with the provider computingsystem 108) corresponding to the user based on the identity information.In some embodiments, the account determination circuit 192 can also beconfigured to determine an account corresponding to the user that ismanaged by a different provider. The account determination circuit 192is configured to request user authentication information from the userof vehicle to confirm that the user is authorized to access the account.For example, the account determination circuit 192 is configured toretrieve user authentication data associated with the account from thememory 180 of the provider computing system 108. In some embodiments,the account determination circuit 192 is configured to send displayinstructions to the projection circuit 188 to display a keypad to theuser and request the user to enter a PIN corresponding to the account.The account determination circuit 192 is configured to receive sensedgestures of the user from the sensing device 128 as the user interactswith the user interface. The account determination circuit 192 isconfigured to determine the PIN entered by the user based on the sensedgestures. In response to determining that the PIN entered by the usermatches the PIN of the account, the account determination circuit 192can begin a transaction. In response to determining that the PIN enteredby the user does not match the PIN of the account, the accountdetermination circuit 192 is configured to send display instructions tothe projection circuit 188 to display an incorrect PIN indication to theuser. In some embodiments, the account determination circuit 192 canlock the account in response to a number of incorrect PINs exceeding apredetermined threshold. In some embodiments, the account determinationcircuit 192 is configured to send display instructions to the projectioncircuit 188 to request that the user present a portion of the body(e.g., a face, an eye, a fingerprint) at or proximate the window. Theaccount determination circuit 192 is configured to receive scanned data(e.g., biometric data) from the scanning device 132. In response todetermining that the biometric data matches the account, the accountdetermination circuit 192 can activate the transaction completioncircuit 196. In response to determining that the biometric data does notmatch the account, the account determination circuit 192 can senddisplay instructions to the projection circuit to display an errormessage. In some embodiments, the account determination circuit 192 canlock the account in response to a number of biometric data mismatchesbetween the scanned data and the authentication data associated with theaccount exceeding a predetermined threshold.

The transaction completion circuit 196 can communicate with the user todetermine transaction information based on user interactions with theuser interface and complete a transaction using the ATM 104. Thetransaction completion circuit 196 is operably coupled to the sensingdevice 128 and to the scanning device 132 and is configured to receivetransaction information sensed by the sensing device 128 and transactioninformation scanned by the scanning device 132. The transactioncompletion circuit 196 is configured to send display instructions to theprojection circuit 188 to request that the user select a type oftransaction to be completed. For example, the display instructions cancommand the projection circuit 188 to display a plurality of buttonscorresponding to types of transactions that can be completed by the ATM104. As another example, the display instructions can command theprojection circuit 188 to display a keypad and a typing window to theuser of the vehicle. The transaction completion circuit 196 isconfigured to receive, from the sensing device 128, the sensed gesturesmade by the user at or proximate the window as the user manipulates theuser interface. The transaction completion circuit 196 is configured todetermine the type of transaction selected by the user based on thesensed gestures. Types of transactions can include withdrawing physicalcurrency from the account, depositing checks into the account,depositing physical currency into the account, checking a balance of theaccount, purchasing stamps, etc.

After determining the type of transaction selected by the user, thetransaction completion circuit 196 is configured to send displayinstructions to display one or more transaction completion screens tothe user. The transaction screens are configured to obtain transactioninformation input by the user. In some embodiments, the transactioncompletion screens can be a predetermined transaction screen or seriesof predetermined transaction completion screens. In some embodiments,one or more of the transaction completion screens can change based oninformation entered by the user in via a previously-displayedtransaction completion screen. The transaction completion circuit 196 isconfigured to receive, from the sensing device 128, sensed gestures ofthe user at or proximate the vehicle window as the user interacts withthe transaction completion screens displayed by the user interface. Thetransaction completion circuit 196 is configured to determinetransaction information input by the user via the transaction completionscreens based on the sensed gestures. The transaction completion circuit196 is configured to issue transaction instructions based on thetransaction information. The transaction instructions can includepresenting a next transaction completion screen. The transactioninstructions can command a currency dispenser to dispense physicalcurrency based on the transaction information input by the user. Thetransaction instructions can command a receiving device to retrievechecks and/or physical currency deposited into the deposit slot based onthe transaction information input by the user via the transactioncompletion screens. The transaction completion circuit 196 is configuredto end the transaction in response to receiving an end indicator. Insome embodiments, an end indicator can include user selection of abutton ending the transaction (e.g., a transaction complete button), adetermination that the vehicle is no longer proximate the ATM 104,and/or a period of time with no user activity sensed by the sensingdevice 128 and/or the scanning device 132 that exceeds a user inactivitythreshold.

In some embodiments, the user can select an account balance transactiontype. The transaction completion circuit 196 can access the providercomputing system 108 to determine the balance of the account. Thetransaction completion circuit 196 can then send display instructions tocommand the projection circuit 188 to display the account balance to theuser. The display instructions can also command the projection circuitto display buttons to the user to solicit further instructions from theuser (e.g., a transaction complete button, a new transaction button,etc.). Accordingly, the user can access the account and input all of thetransaction information (e.g., instructions and/or physical media to bedeposited) used to check the account balance without opening the vehiclewindow. In contrast, the window would be open for the entire transactionif the transaction were completed using a conventional ATM in aconventional drive-up banking system.

In some embodiments, the user can select a withdraw physical currencytransaction type. The transaction completion circuit 196 can senddisplay instructions to the projection circuit 188 to display a userinterface that requests the user to enter an amount of physical currencyto withdraw. For example, the user interface can include a keypad forthe user to enter an amount of physical currency to withdraw and/orbuttons that specify predetermined physical currency amounts forwithdrawal ($20, $50, $100), etc. The transaction completion circuit 196can receive, from the sensing device 128, sensed gestures of the user ator proximate the window as the user interacts with the user interface.The transaction completion circuit 196 determines user instructionsbased on the sensed gestures. The transaction completion circuit 196 canaccess the memory 180 provider computing system 108 to determine abalance of the account. In response to determining that the balance ofthe account is less than an amount of the withdrawal, the transactioncompletion circuit 196 can send display instructions to the projectioncircuit 188 to display an insufficient funds notification. In responseto determining that the balance of the account is greater than theamount of the withdrawal, the transaction completion circuit 196 canproceed with the withdrawal. In some embodiments, the transactioncompletion circuit 196 send display instructions to the projectioncircuit 188 to display a confirmation screen to the user. Theconfirmation screen may illustrate an amount of the withdrawal andprovide buttons that allow the user to confirm or deny the withdrawal.The transaction completion circuit 196 can receive can receive, from thesensing device 128, sensed gestures of the user at or proximate thewindow as the user interacts with the user interface. The transactioncompletion circuit 196 determines transaction information indicative ofuser instructions based on the sensed gestures. The transactioncompletion circuit 196 then commands the currency dispensing device todispense the amount of currency requested by the user. At this point,the user for the first time in the transaction opens the vehicle windowto retrieve the physical currency. The display instructions can alsocommand the projection circuit to display buttons to the user to solicitfurther instructions from the user (e.g., a transaction complete button,a new transaction button, etc.). Accordingly, the user can access theaccount and input all of the transaction information (e.g., instructionsand/or physical media to be deposited) used to complete the transactionwithout opening the vehicle window. The window over the vehicle onlyneeds to be opened to retrieve the physical currency. Therefore, thevehicle window is open for a much shorter time than the window is openwhen conducting transactions using a conventional ATM in a conventionaldrive-up banking system.

In some embodiments, the user can select a deposit physical currency ordeposit check transaction type. The transaction completion circuit 196sends display instructions to the projection circuit 188 to display auser interface that requests the user to display check(s) or physicalcurrency to be deposited at or proximate the window. The transactioncompletion circuit 196 can receive transaction information including thescan(s) of the check(s) or physical currency scanned by the scanningdevice 132. In some embodiments, the transaction completion circuit 196may request that each check or currency bill is presented individuallyto be scanned. The transaction completion circuit 196 determines a totalamount of money to be deposited based on the scanned check(s) orphysical currency. In some embodiments, the transaction completioncircuit 196 sends display instructions to the projection circuit 188 todisplay a confirmation screen to the user. The confirmation screen mayillustrate an amount of money to be deposited and provide buttons thatallow the user to confirm or deny the deposit. The transactioncompletion circuit 196 can receive, from the sensing device 128, sensedgestures of the user at or proximate the window as the user interactswith the user interface. The transaction completion circuit 196determines the user instructions (e.g., the transaction information)based on the sensed gestures. The transaction completion circuit 196then sends display instructions to the projection circuit 188 to promptthe user to deposit the check(s) or physical currency into the depositslot of the ATM 104. At this point, the user, for the first time in thetransaction, opens the vehicle window to deposit the checks or thephysical currency into the ATM 104. The transaction completion circuit196 then commands the currency receiving device to retrieve the check(s)or physical currency deposited by the user. The display instructions canalso command the projection circuit to display selections or buttons tothe user to solicit further instructions from the user (e.g., atransaction complete button, a new transaction button, etc.).Accordingly, the user can access the account and input all of thetransaction information (e.g., instructions and/or physical media to bedeposited) used to complete the transaction without opening the vehiclewindow. The window of the vehicle only needs to be opened to deposit thechecks and/or the physical currency. Therefore, the vehicle window isopen for a much shorter time than the window is open when conductingtransactions using a conventional ATM in a conventional drive-up bankingsystem.

In some embodiments, the account determination circuit 192 calls theuser device 112 after determining the account corresponding to the userbased on the identity information. After the user answers the call, theaccount determination circuit 192 and the transaction completion circuit196 can provide voice instructions to the user either instead of or inaddition to the user interface that is projected onto the vehiclewindow. The account determination circuit 192 and the transactioncompletion circuit 196 can determine account authentication informationand transaction instructions, respectively, based on voice commandsreceived from the user by the user device 112.

In some embodiments, the account determination circuit 192 calls theuser device 112 after determining the account corresponding to the userbased on the identity information. After the user answers the call, theaccount determination circuit 192 and the transaction completion circuit196 can provide display instructions to the projection circuit 188 toprovide the user interface as described above. Instead of or in additionto making selections using gestures at or proximate the window, the usercan make verbal responses based on questions, buttons, instructions,etc. displayed on the user interface. The account determination circuit192 and the transaction completion circuit 196 can determine accountauthentication information and transaction instructions, respectively,based on voice commands received from the user by the user device 112.

In some embodiments, the transaction completion circuit 196 isconfigured to establish a secure connection with the user device 112.The client application 168 can send transaction information includingtransaction instructions entered via the client application 168 to thetransaction completion circuit 196. The transaction completion circuit196 is configured to receive the transaction instructions from theclient application 168. The transaction completion circuit 196 isconfigured to send display instructions to the projection circuit 188 todisplay the transaction instructions to the user and provide responseselections or buttons to the user. For example, the response buttons canallow the user to confirm, modify, or cancel the displayed transaction.The transaction completion circuit 196 is configured to receive, fromthe sensing device 128, the sensed gestures made by the user as the usermanipulates the user interface displayed on the vehicle window. Thetransaction completion circuit 196 is configured to determinetransaction instructions based on the gestures. For example, in responseto receiving transaction instructions including user acceptance of thetransaction instructions, the transaction completion circuit 196 carriesout the transaction instructions. In another example, in response toreceiving transaction instructions to modify the pending transaction orthe transaction instructions, the transaction completion circuit 196 isconfigured to send display instructions to the projection circuit 188 todisplay one or more transaction completion screens to the user anddetermine modified transaction instructions in a similar manner to whatis as described above. In another example, in response to receivingtransaction instructions to cancel the transaction instructions, thetransaction completion circuit 196 cancels the transaction instructions.In some embodiments, the user device 112 can include a brailleinterface. In such an embodiment, a blind or visually impaired personcan use the user device 112 to enter the transaction instructions viathe client application 168. A sighted assistant can then follow thedisplay instructions described above.

Referring now to FIGS. 2A-2B, a flow diagram of a method 200 ofconducting a transaction with the drive-up banking system 100 whileminimizing an amount of time that a user of the drive-up banking system100 is exposed to the outdoor environment is shown. In variousembodiments, the method 200 is performed by the components shown in FIG.1 such that reference may be made to the components of FIG. 1 to aid inthe description of the method 200. In some arrangements, the method 200is performed by the provider computing system 108.

The vehicle detection device detects a presence of a vehicle proximatethe drive-up banking system 100 or the ATM 104 at 202. The vehicledetection device 120 sends information indicative of the presence of thevehicle to the vehicle detection circuit 184. The vehicle detectioncircuit 184 determines, based on information indicative of a position ofthe vehicle, a relative position between the vehicle and the projectiondevice 124 at 204. The vehicle detection circuit sends a positionnotification to the user at optional step 206. In some embodiments, theposition notification is a light or a sound. In some embodiments, theposition notification indicates that the vehicle is correctly positionedrelative to the projection device 124. In some embodiments, the positionnotification indicates that the vehicle needs to be repositionedrelative to the projection device 124.

The projection circuit 188 activates in response to determining thepresence of the vehicle proximate the ATM 104. The projection circuit188 determines the position of the vehicle window relative to theprojection device 124 at 208. In some embodiments, the projectioncircuit 188 commands the projection device 124 to project the userinterface onto the vehicle window such that the user interface isvisible to the user sitting inside of the vehicle at 210. The user caninteract with the user interface without lowering the vehicle window. Inother embodiments, the projection circuit 188 commands the projectionscreen drive system 156 to position the projection screen 152 proximatethe vehicle at 212. The projection circuit 188 commands the projectiondevice 124 to project the user interface onto the surface of theprojection screen 152 proximate the window such that the user interfaceis visible to the user sitting inside of the vehicle at 214. The usercan interact with the user interface without lowering the vehicle windowor opening the vehicle door.

The account determination circuit 192 receives identity information of auser (e.g., an occupant) of the vehicle at step 216. In someembodiments, the account determination circuit 192 may establish asecure connection between the operating system of the vehicle and/or theuser device 112 and receive identity information from the vehicle or theuser device 112. In some embodiments, the account determination circuitmay send display instructions to the projection circuit to display arequest to the user to position a portion of the body (e.g., face,fingerprint, or eye) or physical identification media (e.g., an ATMcard, a debit card, an account passbook, a drivers' license, a passport,etc.) at or proximate the window. The scanning device 132 then scans theportion of the body or the physical identification media to generatetransaction information indicative of the biometric identity informationor the physical identification media, respectively.

The account determination circuit 192 determines an account managed bythe provider that corresponds to the user based on the identityinformation at 218. In some embodiments, the account determinationcircuit 192 can also determine an account managed by a differentprovider that corresponds to the identity of the user. The accountdetermination circuit 192 requests user authentication information fromthe user at 220. For example, the account determination circuit 192sends display instructions to the projection circuit to prompt the userto enter user authentication information. For example, the projectioncircuit can display a keypad to the user and request the user to enter aPIN corresponding to the account. In another example, the projectioncircuit can display a request that the user present a portion of thebody (e.g., a face, an eye, a fingerprint) at or proximate the windowand the scanning device scans portion of the body proximate the window.The account determination circuit 192 determines the user authenticationinformation (e.g., the transaction information) at 222. For example, theaccount determination circuit 192 can determine the PIN entered by theuser based on gestures sensed by the sensing device 128 at or proximatethe user interface while interacting with the user interface to providethe user authentication information. The user can tap the keys of thekeypad to enter the PIN. The sensing device 128 can detect the taps andsend the taps to the account determination circuit 192. The accountdetermination circuit 192 can determine the keys of the keypad that theuser touched and the order in which the keys were touched to determinethe pin entered by the user. In another example, the accountdetermination circuit can determine biometric user authenticationinformation based images scanned by the scanning device 132. The accountdetermination circuit 192 determines whether the user authenticationinformation matches the account at 224. For example, the accountdetermination circuit 192 can access the provider computing system 108to determine the user authentication information (e.g., a PIN, biometricdata, etc.) corresponding to the account. The account determinationcircuit 192 can then compare the PIN or the biometric data to a PIN orbiometric data corresponding to the account. The account determinationcircuit 192 displays an error message in response to determining thatthe user authentication information does not correspond to the accountat 226. The account determination circuit 192 may then may return to320. In some embodiments, in response to a number of incorrect attemptsto enter user authentication data exceeding a predetermined threshold,the account determination circuit 192 can lock the account.

At 228, the transaction completion circuit 196 sends displayinstructions to the projection circuit 188 to display a screen thatrequests the user to select a type of transaction in response to theaccount determination circuit 192 determining that the userauthentication information corresponds to the account. For example, theprojection circuit 188 may display a screen that includes a plurality ofbuttons indicating transaction types that can be completed by the ATM104. In another example, the projection circuit 188 may display a screenthat includes a text entry window and a keypad. Types of transactionscan include withdrawing physical currency from the account, depositingchecks into the account, depositing physical currency into the account,checking a balance of the account, and purchasing stamps. The sensingdevice 128 senses the gestures that the user makes as the user interactswith user interface to select a transaction and sends the sensedgestures to the transaction completion circuit 196 at 230. At 232, thetransaction completion circuit 196 determines the type of transaction(e.g., the transaction information) selected by the user based on thegestures sensed by the sensing device 128.

For example, in embodiments in which the user interface includes theplurality of buttons that indicate transaction types, the user can tapany of the buttons to select a transaction. The sensing device 128 candetect the tap and send the tap to the transaction completion circuit196. The transaction completion circuit 196 can determine the buttonthat the user selects to determine the transaction selected by the user.In other embodiments, in embodiments in which the user interfaceincludes the plurality of buttons that indicate transaction types, theuser can hold up a number of fingers that correspond to a selection(e.g., the user holds up one finger to choose a first transactionoption, two fingers to choose a second transaction option, etc.), fingerspell a selection, or sign a selection. The sensing device 128 can sensethe number of fingers the user is holding up and send the number offingers, the finger-spelled gesture sequence, or the sign to thetransaction completion circuit 196. The account determination circuit192 can determine the transaction selected by the user based on thenumber of fingers the user was holding up, the finger-spelled sequence,or the sign. In embodiments in which the displayed screen includes thekeypad and the text entry window, the user can tap the keys of thekeypad to enter a word. The sensing device 128 can sense the taps andsend the taps to the transaction completion circuit 196. The transactioncompletion circuit 196 can determine the keys of the keypad that thatthe user touched and the order in which the keys were touched todetermine the word entered by the user. In some embodiments, thetransaction completion circuit 196 can determine the transactionselected by the user based on the word. In some embodiments, thetransaction completion circuit 196 can use the word entered by the useras an input to a search function. The transaction completion circuit 196can then display transaction type determined by the search function tothe user. For example, the user may enter the word “cash”. The sensingdevice 128 senses the user's gestures as the user enters the word “cash”using the keypad. The transaction completion circuit 196 determines thatthe user entered the word “cash” based on the user's gestures as theuser interacted with the keypad. The transaction completion circuit 196then enters the word “cash” into the search function. The transactioncompletion circuit 196 then sends display instructions that command theprojection circuit 118 to present the user with the options to “depositcash” and “withdraw cash” such that the user can select a transaction.

At 234, the transaction completion circuit 196 sends displayinstructions to the projection circuit 188 based on the type oftransaction such that the transaction completion circuit 196 displaysone or more transaction completion screens corresponding to the type oftransaction selected by the user. In some embodiments, a predeterminedtransaction completion screen or series of predetermined transactioncompletion screens can be displayed to the user. In some embodiments,one or more of the transaction completion screens can change based oninformation entered by the user in via a previously-displayedtransaction completion screen. For each of the transaction completionscreens displayed to the user, the sensing device 128 senses thegestures the user makes as the user interacts with user interface toinput transaction instructions (e.g., transaction information) and sendsthe sensed gestures to the transaction completion circuit 196 at 236.The gestures can include hand gestures such as tapping, tapping andholding, pinching the screen (e.g., to shrink at least a portion theuser interface), spreading apart pinched fingers (e.g., to expand atleast a portion of the user interface), scrolling, sliding, holding upfingers to indicate a selection, making the “o.k. sign”, holding a thumbup, holding a thumb down, finger-spelling, sign language, etc. Thegestures can include facial gestures such as facial expressions (e.g.,frown into indicate “no” or “help”, smile to indicate “yes”, etc.),nodding, shaking the head, etc. At 238, the transaction completioncircuit 196 determines transaction instructions collected from each ofthe screens based on the gestures sensed by the sensing device 128. At240, the transaction completion circuit 196 completes the transaction inaccordance with the transaction instructions provided by the user. Thetransaction completion circuit 196 ends the user interaction in responseto receiving an end indicator at 242. In some embodiments, an endindicator can include user selection of button (e.g., a transactioncomplete button), a determination that the vehicle is no longerproximate the ATM, and/or a period of time with no user activity sensedby the sensing device 128 and/or the scanning device 132 that exceeds auser inactivity threshold. In some embodiments, the projection circuit188 commands the projection screen drive system 156 to retract theprojection screen 152 at 244.

Referring now to FIGS. 3A-3B, a flow diagram of a method 300 ofconducting a transaction with the drive-up banking system 100 whileminimizing an amount of time that a user of the drive-up banking system100 is exposed to the outdoor environment is shown. In variousembodiments, the method 300 is performed by the components shown in FIG.1 such that reference may be made to the components of FIG. 1 to aid thedescription of the method 300. In some arrangements, the method 300 isperformed by the provider computing system 108. Steps 302-326 of themethod 300 are substantially the same as the steps 202-226 of the method200. Although steps 302-326 are shown in FIGS. 3A-3B, they are notdescribed in detail herein for the sake of brevity.

The transaction completion circuit 196 establishes a secure connectionwith the user device 112 at 328. The transaction completion circuit 196receives transaction instructions from the user device 112 over thesecure connection at 330. The transaction completion circuit 196 sendsdisplay instructions to the projection circuit 188 to display thetransaction instructions to the user at 332. The display includes userinputs regarding the transaction instructions. For example, the userinterface can display buttons selectable by the user to confirm, modify,or cancel the transaction instructions. The sensing device 128 sensesthe gestures of the user at or proximate the window as the userinteracts with the user interface at 334. In some embodiments, the usercan tap a button to confirm, modify, or cancel the transactioninstructions. In some embodiments, the user can hold up a number offingers indicating whether the user wants to confirm, modify, or cancelthe transaction instructions (e.g., the user can hold up one finger toconfirm, two fingers to modify, or three fingers to cancel thetransaction instructions, etc.). In some embodiments, the user candisplay the “ok-sign” or a thumb up to accept the transactioninstructions. In some embodiments, the user can display a thumb down tocancel or modify the transaction instructions. In some embodiments, theuser can use finger-spelling or sign language to select whether toconfirm, modify, or cancel the transaction instructions. At 336, thetransaction completion circuit 196 determines transaction instructionsbased on the gestures sensed by the user. For example, in response toreceiving transaction instructions including user acceptance of thetransaction instructions, the transaction completion circuit 196 carriesout the transaction instructions. In another example, in response toreceiving transaction instructions to modify the transactioninstructions, transaction completion circuit 196 is configured to senddisplay instructions to display one or more transaction completionscreens to the user and determine transaction instructions as describedabove. In another example, in response to receiving transactioninstructions to cancel the transaction instructions, the transactioncompletion circuit 196 cancels the transaction instructions. Thetransaction completion circuit 196 carries out the determined userinstructions at 338. The transaction completion circuit 196 ends theuser interaction in response to receiving an end indicator at 340. Insome embodiments, an end indicator can include user selection of buttonending the transaction (e.g., a transaction complete button), adetermination that the vehicle is no longer proximate the ATM, and/or aperiod of time with no user activity sensed by the sensing device 128and/or the scanning device 132 that exceeds a user inactivity threshold.In some embodiments, the projection circuit 188 commands the projectionscreen drive system 156 to retract the projection screen 152 at 342.

Referring to FIG. 4 , an environment 400 in which an occupant of avehicle is conducting a transaction using the ATM 104 is shown,according to an example embodiment. FIG. 4 illustrates a vehicle 404including a vehicle window 408 is positioned relative to the ATM 104such that the projection device 124 can project a user interface 412onto the vehicle window 408. An occupant 416 of the vehicle 404 caninteract with the user interface 412 that is projected onto the vehiclewindow 408 by the projection device 124. The sensing device 128 cansense gestures made by the occupant 416 at or proximate the vehiclewindow 408 as the occupant 416 interacts with the user interface 412.The scanning device 132 can scan physical media presented at orproximate the vehicle window 408 by the occupant 416.

Referring to FIG. 5 , an environment 500 illustrating a user interfacethat is projected onto a vehicle window by the ATM 104 (FIG. 4 ) isshown, according to an example embodiment. FIG. 5 illustrates a vehicle504 that includes a vehicle window 508 onto which the projection device124 (FIG. 4 ) projects a user interface 512. The user interface 512prompts an occupant of the vehicle 504 to select a transaction tocomplete using the ATM 104. In the example illustrated in FIG. 5 , theuser interface 512 includes a plurality of buttons 516 that can beinteracted with by the occupant to select a type of transaction. Theoccupant of the vehicle can interact with the user interface 512 in thesame manner as the occupant would interact with a touch screen. Forexample, the occupant can touch, tap, touch and hold, etc. one of thebuttons 516 to select a transaction type. The sensing device 128 (FIG. 4) can sense the gestures of the occupant's hand as the occupantinteracts with the user interface 512 to select one of the buttons 516.

The embodiments described herein have been described with reference todrawings. The drawings illustrate certain details of specificembodiments that implement the systems, methods and programs describedherein. However, describing the embodiments with drawings should not beconstrued as imposing on the disclosure any limitations that may bepresent in the drawings.

It should be understood that no claim element herein is to be construedunder the provisions of 35 U.S.C. § 112(f), unless the element isexpressly recited using the phrase “means for.”

As used herein, the term “circuit” may include hardware structured toexecute the functions described herein. In some embodiments, eachrespective “circuit” may include machine-readable media for configuringthe hardware to execute the functions described herein. The circuit maybe embodied as one or more circuitry components including, but notlimited to, processing circuitry, network interfaces, peripheraldevices, input devices, output devices, sensors, etc. In someembodiments, a circuit may take the form of one or more analog circuits,electronic circuits (e.g., integrated circuits (IC), discrete circuits,system on a chip (SOCs) circuits, etc.), telecommunication circuits,hybrid circuits, and any other type of “circuit.” In this regard, the“circuit” may include any type of component for accomplishing orfacilitating achievement of the operations described herein. Forexample, a circuit as described herein may include one or moretransistors, logic gates (e.g., NAND, AND, NOR, OR, XOR, NOT, XNOR,etc.), resistors, multiplexers, registers, capacitors, inductors,diodes, wiring, and so on).

The “circuit” may also include one or more processors communicativelycoupled to one or more memory or memory devices. In this regard, the oneor more processors may execute instructions stored in the memory or mayexecute instructions otherwise accessible to the one or more processors.In some embodiments, the one or more processors may be embodied invarious ways. The one or more processors may be constructed in a mannersufficient to perform at least the operations described herein. In someembodiments, the one or more processors may be shared by multiplecircuits (e.g., circuit A and circuit B may comprise or otherwise sharethe same processor which, in some example embodiments, may executeinstructions stored, or otherwise accessed, via different areas ofmemory). Alternatively, or additionally, the one or more processors maybe structured to perform or otherwise execute certain operationsindependent of one or more co-processors. In other example embodiments,two or more processors may be coupled via a bus to enable independent,parallel, pipelined, or multi-threaded instruction execution. Eachprocessor may be implemented as one or more general-purpose processors,application specific integrated circuits (ASICs), field programmablegate arrays (FPGAs), digital signal processors (DSPs), or other suitableelectronic data processing components structured to execute instructionsprovided by memory. The one or more processors may take the form of asingle core processor, multi-core processor (e.g., a dual coreprocessor, triple core processor, quad core processor, etc.),microprocessor, etc. In some embodiments, the one or more processors maybe external to the apparatus, for example the one or more processors maybe a remote processor (e.g., a cloud based processor). Alternatively, oradditionally, the one or more processors may be internal and/or local tothe apparatus. In this regard, a given circuit or components thereof maybe disposed locally (e.g., as part of a local server, a local computingsystem, etc.) or remotely (e.g., as part of a remote server such as acloud based server). To that end, a “circuit” as described herein mayinclude components that are distributed across one or more locations.

An exemplary system for implementing the overall system or portions ofthe embodiments might include a general purpose computing computers inthe form of computers, including a processing unit, a system memory, anda system bus that couples various system components including the systemmemory to the processing unit. Each memory device may includenon-transient volatile storage media, non-volatile storage media,non-transitory storage media (e.g., one or more volatile and/ornon-volatile memories), a distributed ledger (e.g., a blockchain), etc.In some embodiments, the non-volatile media may take the form of ROM,flash memory (e.g., flash memory such as NAND, 3D NAND, NOR, 3D NOR,etc.), EEPROM, MRAM, magnetic storage, hard discs, optical discs, etc.In other embodiments, the volatile storage media may take the form ofRAM, TRAM, ZRAM, etc. Combinations of the above are also included withinthe scope of machine-readable media. In this regard, machine-executableinstructions comprise, for example, instructions and data which cause ageneral purpose computer, special purpose computer, or special purposeprocessing machines to perform a certain function or group of functions.Each respective memory device may be operable to maintain or otherwisestore information relating to the operations performed by one or moreassociated circuits, including processor instructions and related data(e.g., database components, object code components, script components,etc.), in accordance with the example embodiments described herein.

It should also be noted that the term “input devices,” as describedherein, may include any type of input device including, but not limitedto, a keyboard, a keypad, a mouse, joystick or other input devicesperforming a similar function. Comparatively, the term “output device,”as described herein, may include any type of output device including,but not limited to, a computer monitor, printer, facsimile machine, orother output devices performing a similar function.

Any foregoing references to currency or funds are intended to includefiat currencies, non-fiat currencies (e.g., precious metals), andmath-based currencies (often referred to as cryptocurrencies). Examplesof math-based currencies include Bitcoin, Ethereum, Ripple, Litecoin,and the like.

It should be noted that although the diagrams herein may show a specificorder and composition of method steps, it is understood that the orderof these steps may differ from what is depicted. For example, two ormore steps may be performed concurrently or with partial concurrence.Also, some method steps that are performed as discrete steps may becombined, steps being performed as a combined step may be separated intodiscrete steps, the sequence of certain processes may be reversed orotherwise varied, and the nature or number of discrete processes may bealtered or varied. The order or sequence of any element or apparatus maybe varied or substituted according to alternative embodiments.Accordingly, all such modifications are intended to be included withinthe scope of the present disclosure as defined in the appended claims.Such variations will depend on the machine-readable media and hardwaresystems chosen and on designer choice. It is understood that all suchvariations are within the scope of the disclosure. Likewise, softwareand web embodiments of the present disclosure could be accomplished withstandard programming techniques with rule based logic and other logic toaccomplish the various database searching steps, correlation steps,comparison steps and decision steps.

The foregoing description of embodiments has been presented for purposesof illustration and description. It is not intended to be exhaustive orto limit the disclosure to the precise form disclosed, and modificationsand variations are possible in light of the above teachings or may beacquired from this disclosure. The embodiments were chosen and describedin order to explain the principals of the disclosure and its practicalapplication to enable one skilled in the art to utilize the variousembodiments and with various modifications as are suited to theparticular use contemplated. Other substitutions, modifications, changesand omissions may be made in the design, operating conditions andarrangement of the embodiments without departing from the scope of thepresent disclosure as expressed in the appended claims.

What is claimed is:
 1. A method comprising: projecting, by a drive-upbanking system, a user interface onto a surface of a vehicle window of avehicle from an exterior of the vehicle, the user interface beingvisible on the surface of the vehicle window to an occupant of thevehicle; scanning, by a scanning device of the drive-up banking system,physical media containing information indicative of an identity of theoccupant of the vehicle by capturing an image of the physical media whenthe physical media is within the vehicle window of the vehicle;scanning, by the scanning device of the drive-up banking system, aportion of a body of the occupant of the vehicle; generating, by thescanning device of the drive-up banking system, behavioral biometricdata based on the portion of the body, wherein the behavioral biometricdata comprises a gesture associated with the portion of the body;determining, by the drive-up banking system, an account corresponding tothe identity of the occupant of the vehicle; presenting, by the userinterface of the drive-up banking system, a button on the surface of thevehicle window, the button configured to indicate transactioninformation; selecting, by the user interface of the drive-up bankingsystem, the button via touch input at the surface of the vehicle windowcorresponding to the button; determining, by the drive-up banking systemin response to the selecting the button, the transaction information;and conducting, by the drive-up banking system, a transaction based onthe transaction information.
 2. The method of claim 1, wherein thescanning further comprises scanning the physical media through thevehicle window of the vehicle.
 3. The method of claim 1, wherein thevehicle window comprises window glass.
 4. The method of claim 1, whereinthe physical media containing the information indicative of an identityof the occupant of the vehicle comprises at least one of a drivers'license, a passport, a bank account passbook, an ATM card, a debit card,and a check.
 5. The method of claim 1, further comprising: scanning, bythe scanning device of the drive-up banking system, physical mediacontaining information indicative of a transaction by capturing an imageof the physical media when the physical media is within the vehiclewindow of the vehicle.
 6. The method of claim 5, wherein the physicalmedia containing the information indicative of a transaction comprisesat least one of a check and physical currency.
 7. The method of claim 1,wherein the determining the transaction information further comprisesdetermining the transaction information based on the physical mediacontaining the information indicative of the identity of the occupant ofthe vehicle.
 8. The method of claim 1, wherein the portion of the bodyof the occupant of the vehicle is indicative of the identity of theoccupant of the vehicle.
 9. The method of claim 8, wherein the scanningthe portion of the body of the occupant of the vehicle further comprisesscanning the portion of the body of the occupant of the vehicle throughthe vehicle window of the vehicle.
 10. The method of claim 8, furthercomprising: generating, by the scanning device of the drive-up bankingsystem, biometric data based on the portion of the body and indicativeof the identity of the occupant of the vehicle.
 11. A drive-up bankingsystem comprising: a vehicle detection device; a projection deviceconfigured to project a user interface onto a surface of a vehiclewindow of a vehicle from an exterior of the vehicle, the user interfacebeing visible on the surface of the vehicle window to an occupant of thevehicle; a scanning device configured to scan physical media containinginformation indicative of an identity of the occupant of the vehicle bycapturing an image of the physical media when the physical media iswithin the vehicle window of the vehicle, configured to scan a portionof a body of the occupant of the vehicle, and configured to generatebehavioral biometric data based on the portion of the body, wherein thebehavioral biometric data comprises a gesture associated with theportion of the body; a user input device; and a processing circuitcomprising one or more processors coupled to non-transitory memory, theprocessing circuit configured to: determine an account corresponding tothe identity of the occupant of the vehicle, present, by the userinterface of the drive-up banking system, a button on the surface of thevehicle window, the button configured to indicate transactioninformation, select, by the user interface of the drive-up bankingsystem, the button via touch input at the surface of the vehicle windowcorresponding to the button, determine transaction information inresponse to the selection the button, and conduct a transaction based onthe transaction information.
 12. The system of claim 11, wherein thescanning device is further configured to scan the physical media throughthe vehicle window of the vehicle.
 13. The system of claim 11, whereinthe vehicle window comprises window glass.
 14. The system of claim 11,wherein the physical media containing the information indicative of anidentity of the occupant of the vehicle comprises at least one of adrivers' license, a passport, a bank account passbook, an ATM card, adebit card, and a check.
 15. The system of claim 11, wherein thescanning device is further configured to scan physical media containinginformation indicative of a transaction by capturing an image of thephysical media when the physical media is within the vehicle window ofthe vehicle.
 16. The system of claim 15, wherein the physical mediacontaining the information indicative of a transaction comprises atleast one of a check and physical currency.
 17. The system of claim 11,wherein the processing circuit is further configured to determine thetransaction information based on the physical media containing theinformation indicative of the identity of the occupant of the vehicle.18. A drive-up banking system comprising: a vehicle detection device; aprojection device configured to project a user interface onto a surfaceof a vehicle window of a vehicle, the user interface being visible onthe surface of the vehicle window to an occupant of the vehicle; ascanning device configured to scan physical media containing informationindicative of an identity of the occupant of the vehicle by capturing animage of the physical media containing the information indicative of theidentity of the occupant through the vehicle window of the vehicle, whenthe physical media the information indicative of the identity of theoccupant is within the vehicle window of the vehicle, and scan physicalmedia containing information indicative of a transaction by capturing animage of the physical media containing the information indicative of thetransaction through the vehicle window of the vehicle, when the physicalmedia containing the information indicative of the transaction is withinthe vehicle window of the vehicle, scan a portion of a body of theoccupant of the vehicle, generate behavioral biometric data based on theportion of the body, wherein the behavioral biometric data comprises agesture associated with the portion of the body; a user input device;and a processing circuit comprising one or more processors coupled tonon-transitory memory, the processing circuit configured to: determinean account corresponding to the identity of the occupant of the vehicle,present, by the user interface of the drive-up banking system, a buttonon the surface of the vehicle window, the button configured to indicatetransaction information, select, by the user interface of the drive-upbanking system, the button via touch input at the surface of the vehiclewindow corresponding to the button, determine transaction information inresponse to the selection the button, and conduct a transaction based onthe transaction information.
 19. The system of claim 11, wherein theprocessing circuit is further configured to determine the transactioninformation based on the physical media containing the informationindicative of the identity of the occupant of the vehicle.